Privacy Policy

1. Information We Collect

Personal Information

When you apply for financing through ScratchPay, we collect:

• Full name, date of birth, and Social Security number
• Contact information (email address, phone number, mailing address)
• Employment information and income details
• Bank account information for payment processing
• Credit history and score from credit bureaus

Automatically Collected Information

We automatically collect:

• IP address, browser type, and device information
• Pages visited and time spent on our website
• Referring website addresses
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Process and evaluate your financing application
• Verify your identity and prevent fraud
• Assess your creditworthiness and ability to repay
• Communicate with you about your account and application status
• Comply with legal and regulatory requirements
• Improve our services and user experience
• Send you important updates and notifications
• Provide customer support

3. Information Sharing and Disclosure

We May Share Your Information With:

• Credit Bureaus: To verify your credit history and report account information
• Service Providers: Third-party companies that help us operate our business (payment processors, data analytics, customer support)
• Veterinary Partners: The veterinary clinic where you receive services
• Legal Authorities: When required by law, court order, or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

4. Data Security

We implement industry-standard security measures to protect your information, including:

• 256-bit SSL encryption for all data transmission
• Secure servers with firewalls and intrusion detection
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy
• Restricted access to personal information on a need-to-know basis

However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Rights and Choices

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correct: Request correction of inaccurate or incomplete information
• Delete: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Unsubscribe from marketing communications at any time
• Restrict: Request restriction of processing in certain circumstances
• Data Portability: Request transfer of your data to another service

6. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze site usage, and assist in our marketing efforts. You can control cookies through your browser settings, but disabling cookies may limit some functionality of our website.

7. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a minor, please contact us immediately.

8. State-Specific Privacy Rights

California Residents (CCPA)

California residents have additional rights including the right to know what personal information is collected, the right to delete, and the right to opt-out of the sale of personal information (though we do not sell personal information).

Other State Rights

Residents of Virginia, Colorado, and other states with privacy laws may have similar rights. Contact us to exercise these rights.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: